United Club℠ Infinite Card review

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Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Regular APR:
16.49% - 23.49% Variable
Terms and Restrictions Apply

Bankrate Rating

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Best for airline lounge access

  • Rewards rate: 4x miles on United Airlines purchases, 2x miles on all other travel purchases, restaurants and eligible delivery services and 1x miles on all other purchases
  • Welcome offer: 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening
  • Annual fee: $525
  • Purchase intro APR: None
  • Balance transfer Intro APR: None
  • Regular APR: 16.49 percent to 23.49 percent variable

Frequent travelers loyal to United Airlines should consider the United Club Infinite Card from Chase because of the card’s premium travel perks. However, the Club Infinite card steep $525 annual fee might be tough to swallow for rewards-savvy and budget-conscious cardholders alike. Still, some travelers might eke enough value out of this card to make the annual fee worth it.

Current welcome offer

New card holders can earn 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.


The United Club Infinite Card is an airline rewards credit card that earns miles you can redeem through the United MileagePlus program for things like travel, dining, entertainment, gift cards and more. Your points don’t expire as long as your account remains open.

Earning rewards

You’ll earn 4x miles for all United Airlines travel purchases, including baggage fees, ticket upgrades, in-flight meals, Wi-Fi and any other United purchases. You’ll also earn 2x miles on non-United travel purchases and on dining at restaurants and eligible food delivery services. All other purchases will earn 1x miles.

There are no caps to the number of miles you can earn.

Redeeming rewards

You can redeem your earned miles through the United MileagePlus program. To get the most value out of your miles, redeem them for flights on United or with one of its Star Alliance airline partners. You can also redeem miles for other things like gift cards, shopping, dining and MileagePlus experiences, but point values will vary.

How much are miles worth?

United miles are typically worth 1.3 cents or more when redeemed for travel and less when used for non-travel expenses. When using your United miles to book flights, the MileagePlus program has two types of awards:

  • Saver Awards are your best bet to get the full-redemption value of your miles, but flights are capacity controlled and sometimes harder to book.
  • Everyday Awards tend to have more flights available, but it’ll cost you more miles to book.

You can also redeem miles for hotels, car rentals, cruises or in-flight amenities, along with or non-travel items like merchandise, gift cards, magazine subscriptions or exclusive MileagePlus experiences. However, you won’t get as much value out of your miles with this option.


With the United Club Infinite Card, not only do you get elite United Airlines travel benefits, but you also get Chase credit card and Visa Infinite premium cardholder perks as well.

United Club Membership

You‘ll automatically get United Club membership as long as you’re a cardholder. This gets you and eligible travel companions access into all United Club and Star Alliance affiliated airport lounge locations worldwide.

Without the card, United Club membership costs $650 a year.

Premier access

Get priority check-in, priority boarding and baggage handling privileges for you and your travel companions at airports where United Premier Access is available.

Global Entry or TSA PreCheck credit

When you pay for a Global Entry or TSA PreCheck application fee with your United Club Infinite Card, you’ll get a statement credit for up to $100 to cover the cost (available every four years).

25% back on United in-flight purchases

You’ll receive 25 percent back in statement credits for all in-flight purchases spent on United-operated flights.

Free checked bags

As the primary cardholder, you and one travel companion on the same reservation will each get two free checked bags on United-operated flights.

Hertz Gold Plus Rewards

Cardholders are eligible to enroll in Hertz Gold Plus Rewards President’s Circle. This perk comes with guaranteed car rental upgrades, a 50 percent bonus on Hertz Gold Plus Rewards and other exclusive car rental offers.

Premier hotel and entertainment upgrades

Your United Club Infinite Card comes with multiple premier upgrades that give you access to things like:

  • The Chase United card member luxury hotel and resort collection.
  • Special United Card events from Chase like celebrity meet-and-greets, private culinary exhibits and sporting events.
  • United MileagePlus events like Broadway shows, concerts and theater showings.

Travel coverage and purchase protections

The Infinite card also comes with travel-specific coverage:

  • Trip cancellation/interruption insurance.
  • Baggage delay insurance.
  • Lost luggage reimbursement.
  • Trip delay reimbursement.
  • Visa concierge service.
  • Auto rental collision damage waiver.
  • Purchase protection.
  • Return protection.
  • Extended warranty.

Rates and fees

The United Club Infinite Card has a high annual fee of $525. It doesn’t charge foreign transaction fees. The current variable APR is 16.49 percent to 23.49 percent.

How the United Club Infinite Card compares to other airline/travel cards

If you’re a frequent traveler who likes premium perks and always flies United, this card might be a good option for you. If you aren’t loyal to United, a premium travel card like the Chase Sapphire Reserve or The Platinum Card® from American Express might be a better option for you because they’ll have more flexible redemption options

Card Annual fee Rewards rate Welcome bonus Other details
Chase Sapphire Reserve® $550
  • 3X Chase Ultimate Rewards points on eligible dining and travel worldwide (after earning your $300 travel credit)
  • 1X Chase Ultimate Rewards points on all other purchases
60,000 Chase Ultimate Rewards points after spending $4,000 within first three months
  • Special benefits at top locations in Chase’s Luxury Hotel & Resort Collection
  • 50 percent boosted rewards value when redeemed through the Chase Ultimate Rewards portal.
  • Access to Priority Pass Select lounges
  • Up to $300 in annual travel statement credits
The Platinum Card® from American Express $695
  • 5X Membership Rewards points on directly booked flights and flights and hotels booked through American Express Travel
  • 1X Membership Rewards points on all other purchases
  • 100,000 Membership Rewards points after spending $5,000 within first six months
  • 10X points on restaurant purchases worldwide and when you Shop Small in the U.S. for your first 6 months of card membership (on up to $25,000 in combined purchases)
  • Luxury benefits and annual credits for hotels in the American Express Fine Hotels and Resorts and The Hotel Collection programs
  • Monthly Uber and annual Saks Fifth Avenue credits
  • Access to The Centurion Lounge, The International American Express lounges, the Delta Sky Club and the Priority Pass Select lounges
  • Up to $200 annual airline fee statement credit
Citi Prestige® Card $495
  • 5X Citi ThankYou Points on eligible air travel and restaurant purchases
  • 3X Citi ThankYou Points on eligible hotel and cruise lines purchases
  • 1X Citi ThankYou Points on all other purchases
50,000 Citi ThankYou Points after spending $4,000 within first three months
  • Up to $250 travel credit every year for eligible purchases.
  • Complimentary fourth night hotel stay (up to twice per year) at a hotel of your choice after booking at least four consecutive nights through ThankYou.com
  • Complimentary access to Priority Pass Select lounges
  • Up to a $100 reimbursement credit (every five years) for Global Entry or TSA Precheck application fees

Best cards to pair with the United Club Infinite card

To maximize your rewards earnings, consider pairing a complementary low-cost rewards card with the Club Infinite card. For example, a no-annual-fee cash-back card that offers rewards in one of your biggest spending categories—such as grocery or gas station purchases—could be a great fit.

One popular card is the Citi® Double Cash Card which earns a flat cash-back rate of up to 2 percent back on all purchases (1 percent when you buy and 1 percent as you pay of purchases).

Bankrate’s Take—Is the United Club Infinite card worth it?

If you’re looking to save money while you earn rewards for future travel, the Club Infinite card could make sense due to its welcome offer. Earn 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.

Because this is a premium Chase card, the United Club Infinite Card credit score required to qualify is very good to excellent. If you have less-than-perfect credit, check out Bankrate’s list of credit cards for good credit or fair/average credit instead. Loyal United Airlines travelers and United MileagePlus members should also visit Bankrate’s list of the best United credit cards for other United Airlines card options.


  • Generous welcome offer
  • 4X miles on United Airlines purchases
  • Worldwide United Airlines and Star Alliance airport lounge access
  • Free checked bags on United-operated flights
  • Global Entry and TSA Precheck application fee reimbursement
  • 25 percent back on purchases made on United-operated flights


  • No 0 percent intro APR offer on purchases or balance transfers
  • $525 annual fee
  • Requires very good to excellent credit to qualify


The information about the United Club℠ Infinite Card and Citi Prestige® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.